Kruk S.A.

Earnings Release • Jan 9, 2026

Report Content Current Report No. 1/2026

Date: January 9th 2026

Subject: Expenditure on and recoveries from debt portfolios

Legal basis: Article 17_1_ of MAR - Inside information

Text of the report:

In line with the adopted disclosure policy, KRUK S.A. (KRUK, theCompany) discloses the amount of expenditure on and recoveries from themanagement of debt portfolios purchased by the KRUK Group.

Q4 2025

The nominal value of debt portfolios purchased by the Group

Q4 2025 Q4 2024 change

PLN 3 615m PLN 5 424m -33%

The expenditure on debt portfolios purchased by the Group

Q4 2025 Q4 2024 change

PLN 796m PLN 1 185m -33%

The recoveries from the management of debt portfolios purchased by theGroup

Q4 2025 Q4 2024 change

PLN 999m PLN 935m +7%

Deviation between actual and projected recoveries*

Q4 2025

PLN 34,7m

Percentage deviation between actual and projected recoveries**

Q4 2025

4%

Y 2025

The nominal value of debt portfolios purchased by the Group

Y 2025 Y 2024 change

PLN 10 052m PLN 14 607m -31%

The expenditure on debt portfolios purchased by the Group

Y 2025 Y 2024 change

PLN 2 223m PLN 2 828m -21%

The recoveries from the management of debt portfolios purchased by theGroup

Y 2025 Y 2024 change

PLN 3 920m PLN 3 536m +11%

*Position "Deviation between actual and projected recoveries, decreaseson early collections in collateralised cases, payments from originalcreditor" in the financial statements.

**Percentage deviation between actual and projected recoveriesdetermined as the ratio of deviation between actual and projectedrecoveries'* to the difference between 'actual recoveries' and'deviation between actual and projected recoveries'*.

The finally determined financial results for Q4 2025 will be disclosedin the report of the KRUK Group for Q4 2025, scheduled for issue onFebruary 26th 2026.